The First National Bank of Manchester: how it compares with its peers
Against 59 KY banks with half to twice its assets, The First National Bank of Manchester's strongest measure in Q2 2026 is net interest margin (4.64% vs. a 4.08% peer median). Its weakest relative measure is efficiency ratio (75.25% vs. 59.55%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.99% | 1.46% | Bottom third Ahead of 24% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 4.08% | Top third Ahead of 86% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 75.25% | 59.55% | Bottom third Ahead of 8% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.5M | $5.9M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.19% | 81.03% | Context |
What it means for lending operations
Its efficiency ratio of 75.25% is above the 59.55% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank of Columbia Columbia, KY · $231M
- The Citizens Bank Morehead, KY · $229M
- The Citizens Bank Hickman, KY · $220M
- United Citizens Bank & Trust Company Campbellsburg, KY · $219M
- The Commercial Bank of Grayson Grayson, KY · $242M
- Citizens Bank & Trust Co. of Jackson Jackson, KY · $217M
Questions about The First National Bank of Manchester
How big is The First National Bank of Manchester?
The First National Bank of Manchester, established in 1905, is headquartered in Manchester, KY. It reported $230M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is The First National Bank of Manchester's return on assets?
0.99% annualized in Q2 2026, against a 1.46% median for 59 KY banks with half to twice its assets, ahead of 24% of them.
What is The First National Bank of Manchester's efficiency ratio?
75.25% in Q2 2026: it spent about 75 cents in noninterest expense for each dollar of revenue. The peer median is 59.55%, and lower is better.
Is The First National Bank of Manchester growing its loans?
Net loans shrank 0.9% over the year to Q2 2026, while deposits shrank 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are KY banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kentucky bank ranked.